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Modern scoring for risk assessment

D&B Score

A score card is compiled based on the principle of ‘predictive scoring’. ‘Predictive scoring’ refers to the process of using previous data and information to forecast future events. This involves compiling a prognosis for the next 12 months based on the development of the company throughout the past 12 months.
Score

Likelihood of a company’s failure

The D&B score is a value that is determined using statistics. It is calculated on the basis of modern statistic procedures and forecasts the risk of a company going bankrupt within the next 12 months without paying all of its creditors.

Whenever a new piece of information is stored in the Bisnode D&B database, the default risk prognosis is
automatically adjusted.


Risk indicator

Score

Default risk

Traffic light colour

1

87–100

low

Green

2

48–86

below average

Green

3

16–47

average

Yellow

4

1–15

high

Red

-

-

undefined

White

NB (New Business)

-

Newly-founded business

White

NQ (Not quoted)

-

Company no longer active

White

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Likelihood of an individual’s payment

The Bisnode credit rating score for private individuals determines the likelihood of a delay or default of payment. Individuals are rated on the score scale based on expert rules and a predictive statistical evaluation.

If
significant payment problems pertaining to an individual are known of, a potential default of payment is predicted. If there are no known payment problems, the likelihood of a payment delay is determined.

The following chart and table illustrate how the individual assessment levels are to be evaluated.

Score_Verteilung
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Your individual risk score

Do you want to rate your personal risk? The best predictive models consider your individual definition of risk and your internal data. Together with our experts we develop a scoring model that meets your requirements and circumstances.

individual risk score